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Anonymous

01 Sep 2024

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Low spender (<$200-300/month), which credit card provides the most value in terms of rewards? Doesn't matter whether cashback reward or miles. Please advise, thanks.

Mostly spend on transport (MRT & bus), groceries (Shengsiong, NTUC not NTUC link member and no intension of paying membership fee, occasionally donki but low amount), hawker centre/coffeeshop, fast food, and online purchase on Shopee, Lazada.

Most cashback cards require min. spending to get the cashback reward. For low spending, miles card take a long time to accumulate miles and miles value keep devaluating.

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Edited 04 Sep 2024

As for groceries category, you may consider these too :

(a) FairPrice Group -- Trust Credit / Debit Card

(b) Dairy Farm Group -- DBS Yuu Credit Card / PAssion POSB Debit Card

(c) Sheng Siong -- POSB Everyday Credit Card / BOC Sheng Siong Credit Card

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yiyik

04 Sep 2024

Stand Chart...

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YY

04 Sep 2024

Best transport and some occassional fast food / coffee franchies (without minimum spend) is the SC Smart card - they have a very simple cashback model and comes with no annual fees, could be a good compliment to your existing cards, if any : https://www.sc.com/sg/credit-cards/smart-credit...

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Pet N

04 Sep 2024

I would go for cashback because for low spending, it takes too long to accumulate and the miles might expire also. Standard Chartered Cashback seems like a decent choice I think.

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cctzjd

03 Sep 2024

Own time own target at Self Employed

Standard Chartered Cashback card...

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